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Agree with this point, it really makes things so much easier. Imagine having student debt, struggling to get a job out of college, and then

>Once you’ve gotten yourself to a point where you have your basic obligations covered you should try to make it easy to take risks

that could easily take 10+ years?

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It definitely takes years. I went back to school 6 years ago and graduated 3.5 years ago, I optimized for financial security (went to community college followed by the cheapest 4-year available, worked 40+ hours a week throughout, went into a high-paying field), and I've only recently gotten to the point where I'd consider myself financially secure enough to easily take risks. 4-5 years is probably a reasonable lower bound in those cases - you could maybe get there a bit faster if you somehow land a job at a FAANG out of school, but good luck with that.

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